A Vet's Review of Embrace Pet Insurance
2025

• According to their sample policy cover sheet: "If a Pet has had Undiagnosed masses prior to the end of the Waiting Period, any mass, or condition where a mass is a Clinical Sign, is not covered, including those caused by cancer. If the cause of the mass that occurred prior to the end of the Waiting Period can be diagnostically narrowed down via cytology, un-related conditions may be covered."
  
  Potential buyers of this policy need to understand that if their pet has a mass (tumor) anywhere in/on the body that is pre-existing or appears during the waiting period, they will need to get a diagnosis of that mass (paid for out of their own pocket) in order for unrelated tumors to possibly be covered after the waiting period. Also, not all masses can be diagnosed with cytology alone. Sometimes histopathology is needed which may be more expensive.
• 6 month waiting period for orthopedic conditions in dogs. (This waiting period and the type of orthopedic conditions that fall under it can vary by state.)
  
  While the orthopedic waiting period can be waived with a healthy orthopedic exam, please note that a Vet may want additional diagnostics (e.g. x-rays, ultrasound, etc) before they will feel comfortable certifying this. The cost of this will be out of your own pocket.
• Dental coverage for accidents and illness is limited

• Strong underwriter
• Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
• In their FAQ, they state that they will do a medical review once they receive your application so that you know upfront what the the pre-existing conditions will be. This is a strong plus as not many companies offer this. Note: You must make a request to receive this review.
• Provides comprehensive coverage in the 5 important areas as part of the base plan:
  1. Chronic disease
  2. Continual coverage for chronic disease
  3. Hereditary/congenital conditions
  4. Cancer
  5. Breed specific conditions

• Embrace now only provides a cover sheet of a brief outline of what is in their sample policy. You want a full sample policy, not just points they deem important. You want to be able to decide for yourself what is important. Be aware of this when reading their updated sample policy.
  
  Also, if your state has special a AMENDATORY ENDORSEMENT, you have to scroll down to the section in the sample policy that pertains to your state and replace items above it with what is true for your state. This format makes it harder to read and understand.
  
  Before buying, ask Embrace for a full sample policy for your state. If they do not give you one, you will have to decide if this works for you.
• In Embrace's sample policy it states, "...we may only cancel for one or more of the following reasons:...iii. We have agreed to issue a new policy with the same or an affiliated company."
  
  Contact the company for clarity on what this means and whether your terms, conditions, and rates will stay the same as your original policy if they institute this reason for canceling your policy.
  
  After Nationwide unexpectedly announced the cancellation of over 100,000+ policies in the spring of 2024, it's important to have clarity in this area.
• According to their sample policy cover sheet: "If a Pet has had Undiagnosed masses prior to the end of the Waiting Period, any mass, or condition where a mass is a Clinical Sign, is not covered, including those caused by cancer. If the cause of the mass that occurred prior to the end of the Waiting Period can be diagnostically narrowed down via cytology, un-related conditions may be covered."
  
  Potential buyers of this policy need to understand that if their pet has a mass (tumor) anywhere in/on the body that is pre-existing or appears during the waiting period, they will need to get a diagnosis of that mass (paid for out of their own pocket) in order for unrelated tumors to possibly be covered after the waiting period. Also, not all masses can be diagnosed with cytology alone. Sometimes histopathology is needed which may be more expensive.
  
  Masses are very common in veterinary medicine. If a potential buyer misses this information and/or can't afford to get a diagnosis, they may end up with a policy that doesn't cover any malignant or non-malignant masses (tumors) after the waiting period.
• Their Bilateral Conditions policy does not clearly list the medical conditions that fall under this exclusion. Not clearly defining which conditions fall under this policy leaves a big door open that could allow them to deem something as a bilateral exclusion whenever they see fit. Letting customers know what specific conditions and/or systems fall under this exclusion would be much more transparent and would allow the customer to make a more informed decision. Just saying "...includes, but not limited to..." just isn't enough.
• Based on their pre-existing conditions policy, clinical signs can be used to denote something as pre-existing. As with all pet insurance companies that use this wording, I have concerns that this can be used to deny claims even when these previous signs/symptoms are not directly related to the disease or condition currently in question.

• Make sure you research what customers are saying about the company. A company may have the 5 components that should be part of a pet insurance plan, but the company may not be a hit with customers. Sites to check include but are not limited to: BBB.org, Yelp.com and PetInsuranceReview.com. Things to look for include but are not limited to: How fast are payments paid?, What are customers saying about the pre-existing conditions policy?, How often are claims denied and for what reason?, What is the customer service experience like?, Are there issues with premium increases?
• Check with your state's Department of Insurance to see if any complaints have been filed for the company you are interested in.
• Make sure you understand what the waiting periods are.
• Make sure you understand their bilateral conditions policy.
• Make sure you understand any requirements that you must adhere to to maintain coverage.
• Make sure you read the terms and conditions to get a thorough understanding of all exclusions.
• Make sure you understand when and by how much your premium can increase.
• If you change plan levels, there is a possibility that all medical conditions present under the old plan will be considered pre-existing in the new plan. Make sure you ask the company if this is the case.
• For some companies, pre-existing conditions can be based on signs and symptoms alone, a diagnosis is not needed. For example, if your pet had a cough before you applied for pet insurance and this cough was discussed and written in the pet's medical record, there is the possibility that all future cough conditions, no matter what the cause, would be considered pre-existing - even if there was no treatment given. Make sure you ask the company if this is the case.
• Pet insurance companies are businesses. The top priority of any business is to make a profit for their stakeholders. Pet insurance companies can and may change your rates and terms to meet that top priority. A change of business ownership or underwriters can also be a catalyst for changes in your rates and terms.
  
  When you purchase pet insurance make sure you have a realistic understanding of this and how it can affect you.

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